The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,309
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$263/mo
Today · 4.125%
HK$8,830
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,660/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,243
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$252/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,486/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,971
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,281
−HK$315/mo
Today · 4.125%
HK$10,596
baseline
▲ 0.50% · 4.625%
HK$11,241
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,192/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,092
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,390
−HK$301/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,308
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,632
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$368/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,941
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$352/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,359
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,280/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,956
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$473/mo
Today · 4.125%
HK$15,894
baseline
▲ 0.50% · 4.625%
HK$16,861
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,788/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$453/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$925/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).